QUOTE(Human Nature @ Aug 13 2013, 06:04 PM)
I do not have the answer for your question but my question is, why not just pay the RM50 GST and continue to keep the card? Your RM8300 usage already gives you RM400+ in rebate (assuming 5%). Unless of course, if your intention is to cancel the card indefinitely.
QUOTE(MGM @ Aug 13 2013, 06:11 PM)
Thinking of changing to HLB Wise Card and also if too many cards spending on each card will be reduced and subsequently not qualify for bonus/rebate like the OCBC 'Annual Usage Bonus'.
Depend on your spending pattern I guess. Wise card is only good if you can satisfy the criteria (10 x RM50 on related transactions).
Anyhow I think keeping OCBC Titanium is good as many ppl complain of it hard to be approve. Just afraid if you cancel and reapply will not be that easy anymore.
1% of other transaction is still good compared to many cards.
I just reach 1 year of my card as well and I did obtain the Annual usage bonus. Depend how you see it, one side is glad that i able to get GST offset, the other side means I just spend RM10,000.
This coming year I foresee myself not using that much too as Unifi n TNB can be paid through M2kard Amex through M2U and I have UOB One card for my BHP Petrol. Mostly will only be used for dining and other bills like telco.
Anyhow I don't understand why you mention can get the offset of RM50 if you postpone the usage since you can't achieve RM10000 usage anyway. Anyhow you can always overpay now so that when your bill comes out it'll be negative value. But do make sure that you have to pay before your bill generated. Or else anyhow the autodebit will kicks in as it based on your bill statement amount. So by paying more before it, you will have negative value and won't trigger your autodebit to pay.